Crowley v. Empire Fire and Marine Insurance Co.

2019 IL App (2d) 180752 (Ill. App., 2019)

Words & Phrases

Exclusions: Liquor Liability

Trial Judge

William P. Brady

Appellate Judge

Schostok

Holding

Intoxication exclusion in supplemental automobile liability insurance policy was not contrary to Illinois public policy.

Fact Summary

This case concerns whether an exclusion in a supplemental insurance policy that Empire Fire and Marine Insurance Company (Empire) issued to John Bruen was unenforceable as a matter of public policy. The exclusion applied if the insured was under the influence of alcohol or drugs. The circuit court of De Kalb County determined that the intoxication exclusion was unenforceable and therefore entered summary judgment in favor of the plaintiff, Barbara Crowley. Empire appeals from the trial court’s order. We reverse.

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